4651 Ridge Pointe Dr, Milton, FL 32571 Property Records

Santa Rosa County property record for 4651 Ridge Pointe Dr, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,957 sqft · built 2000
Lot Size	0.254 acres (11,064 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Feb 2025)
Tax Bill	$1,561 (2024)
Deeds & Mortgages	Aug 2018 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-3396-00B00-0060`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-3396-00B00-0060`
Alternative APN	`N29110339600B000060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,957 sqft Living Area
Gross Area	2,917 sqft
1st Floor Area	1,957 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	135 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	300 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4651 RIDGE POINTE DR
City	MILTON
State	FL
Zip	32571-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RIDGE POINTE LOT 6 BLK B AS DES IN OR 4590 PG 1473
Legal Range	29W
Legal Township	1N
Legal Section	10
Legal Subdivision	RIDGE POINTE
Legal Block	B
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2012
Census Tract	10708

Owner

4651 Ridge Pointe Dr is owned and occupied by two individuals who bought it in February 2025.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4651 RIDGE POINTE DR, PACE, FL 32571-1332
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	May 5, 2021 · Amount on File
Deed Document Number	20258455
Deed Book / Page	4590 / 1473
Prior Transfer Date	Dec 5, 2016
Prior Transfer Doc	0035800202
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4651 RIDGE POINTE DR, PACE, FL 32571-1332
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037541001
Date	Aug 6, 2018
Book Page	3754/1001
Instrument	201833398

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4651 RIDGE POINTE DR, PACE, FL 32571-1332
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042110801
Date	Nov 23, 2021
Book Page	4211/801
Instrument	202178218

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 5, 2021
Property Address	4651 RIDGE POINTE DR, PACE, FL 32571-1332
Document Number	0041140497
Book / Page	4114 / 497
Map Reference	MB G PG 46
Instrument Date	Apr 19, 2021
Instrument	202130033
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 MEADOR RD, 219, LAUREL, MS 39443-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 RIDGE POINTE DR, PACE, FL 32571-1332

Mortgage

Document Number	0004114499
Date	May 5, 2021
Instrument	4114/499

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$154,783 (+2.9%)	$240,044 (+5.57%) Land $32,000 Building $208,044
2024	$1,561.00 (+12.06%) Homeowner's exemption	$150,421 (+3%)	$227,375 (+0.72%) Land $27,000 Building $200,375
2023	$1,393.00 (+3.11%) Homeowner's exemption	$146,040 (+3%)	$225,758 (+0.68%) Land $27,000 Building $198,758
2022	$1,351.00 Homeowner's exemption	$141,786	$224,225 Land $27,000 Building $197,225

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4651 Ridge Pointe Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2004–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4651 Ridge Pointe Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications, Hotwire Communications.

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